Insurance Claim Question/Problem
Discussion
Hi everyone, I have a question/problem that I need help solving.
Here is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the s
t by sending them my paper license which shows that I lied in the first place.
Thanks in advanced and apologies if this forum is strictly car related.
Andy
Here is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the s
t by sending them my paper license which shows that I lied in the first place. Thanks in advanced and apologies if this forum is strictly car related.
Andy
andykdj said:
...I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago...
Fer phukssake. You 'forgot' to declare a 6 month ban??? I suspect your wallet is now going to hurt, for both this transgression and many insurance contracts in the future.V8RX7 said:
So you forgot that 18mths ago you were walking
Come on give the guy a break... I mean we all "forget" a 6 month ban don't we?.OP send them the licence and get whatever is coming, you may get away with paying the difference on the premium you should have paid, you may not. If you try to dodge it I'm sure they can get the details from the dvla anyway.
andykdj said:
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
They probably already know and have just given you enough rope to hang yourself with...About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
What you've done is known in the business as "fraud".
Here's the CPS guidance on fraud.
http://www.cps.gov.uk/legal/d_to_g/fraud_act/
Here's the CPS guidance on fraud.
http://www.cps.gov.uk/legal/d_to_g/fraud_act/
CPS guidance said:
The maximum penalty for offences under Sections 1, 7 and 9 and is 12 months' imprisonment on summary conviction and 10 years' imprisonment on conviction on indictment.
You are in an awful lot of trouble. Your next call really does need to be to a solicitor.akaRob said:
davepoth said:
You are in an awful lot of trouble. Your next call really does need to be to a solicitor.
That's a bit much and highly unlikey to happen.The fact is that it is a criminal offence.
S.174 RTA 1988 says that a person who knowingly makes a false statement or withholds material information for the purpose of obtaining the issue of a certificate of insurance is guilty of an offence. It is an either way offence which tells you how serious it can potentially be.
I am sure you will realise that, objectively, a failure to declare such conviction in so short a time for a bike you probably would not otherwise have got insurance for looks very bad. No-one is going to believe it was an oversight IF the insurers want to take it further.
S.174 RTA 1988 says that a person who knowingly makes a false statement or withholds material information for the purpose of obtaining the issue of a certificate of insurance is guilty of an offence. It is an either way offence which tells you how serious it can potentially be.
I am sure you will realise that, objectively, a failure to declare such conviction in so short a time for a bike you probably would not otherwise have got insurance for looks very bad. No-one is going to believe it was an oversight IF the insurers want to take it further.
andykdj said:
Hi everyone, I have a question/problem that I need help solving.
Here is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the st by sending them my paper license which shows that I lied in the first place.
Thanks in advanced and apologies if this forum is strictly car related.
Andy
QFPHere is my story (I'll try and keep it short and sweet haha)
I passed my bike test in May of this year and bought myself a YZF 600r. On the day of passing I was super excited to get out on the road so I rang up an insurance company for a quote. They asked if I had any recent convictions and I told them I hadn't. I opted for fully comp and off I went.
About a week ago my bike got stolen from outside of my house so I rang the police and rang up the insurance to notify them of what had happened. The next day I got a "theft interview" call from my insurance asking the usual questions, what time of day it happened..etc etc etc, and he then asked again if I had any recent motoring convictions to which again I told him no.
The day after that I got a letter asking for a copy of my license and paper license to which I noticed that I did in fact have a motoring conviction which was a 6 month ban from 2 years ago.
Now my question is this,
A) Will this automatically deem my claim void?
and B) If I do send them a copy of my paper license which shows I do infact have a conviction, will they bill me for more money as my original insurance payments would have been higher than what I have been paying since May?
I have accepted that I will not get any insurance claim money for my bike but I don't want to land myself further in the s
t by sending them my paper license which shows that I lied in the first place. Thanks in advanced and apologies if this forum is strictly car related.
Andy
Haha come on guys give me a break. Rather than make me feel even more stupid you could try and help me in the spirit of christmas and all 
Now i understand my situation, but the letter i got off the insurance stated that they needed my permission to get any details from the police and the dvla and that i had to sign the letter and send it back with all of my documents. At the moment they havent even got the crime number as i have only just received it myself.
The letter states that if i dont take any further action in 30 days they will close the case and assume that i dont wish to claim.
My question was IF i sign this letter and send my paper license off will i open a bigger can of worms for myself?
Again go easy on me haha.
Now i understand my situation, but the letter i got off the insurance stated that they needed my permission to get any details from the police and the dvla and that i had to sign the letter and send it back with all of my documents. At the moment they havent even got the crime number as i have only just received it myself.
The letter states that if i dont take any further action in 30 days they will close the case and assume that i dont wish to claim.
My question was IF i sign this letter and send my paper license off will i open a bigger can of worms for myself?
Again go easy on me haha.
I'd just be up front with them and say - if you make a good impression and are personable (especially with a smaller outfit) they may be more willing to help. - "Here is my crime number, however it has come to my attention on reviewing my documents that my convicetion was more recent than I origionally thought, would this pose a problem?"
Worst that would happen is that they don't pay out as they wouldn't normally have insured the risk, the best is that they pay out for your loss after deducting an amount for the additional risk covered according to your conviction risk weighting. (they may take the piss in this respect as your now captive).
There is no point in not doing anything as now you have let them know of the incident it will be on your insurance record as an incident and will be risk assessed for the next few years so you might as well try to recoup some funds as you have suffered a loss....worst case is you'll be in the same place but there is scope for some significant upside.
Worst that would happen is that they don't pay out as they wouldn't normally have insured the risk, the best is that they pay out for your loss after deducting an amount for the additional risk covered according to your conviction risk weighting. (they may take the piss in this respect as your now captive).
There is no point in not doing anything as now you have let them know of the incident it will be on your insurance record as an incident and will be risk assessed for the next few years so you might as well try to recoup some funds as you have suffered a loss....worst case is you'll be in the same place but there is scope for some significant upside.
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